USDA Loans in Florida

By applying for the USDA Home Loan program, Florida residents can receive a government funded loan that covers the full appraised value of their property. Other benefits of a Florida USDA Loan include:

•     No  Florida loan amount limitations
•     $0 down, 100% financing is available
•      Lower income families and those with blemished credit may qualify

Florida Areas that Qualify for a USDA Loan

The term “Rural Development Loan” can be somewhat misleading. Take note that USDA Loans are not just for Florida farmers. Instead, a great number of areas located throughout the beautiful state of Florida are eligible for a USDA Loan. In general, communities that may qualify are located outside of major metropolitan area limits and have less than 20,000 residents.

Never assume that your area does not qualify for a USDA Loan.  

Florida’s USDA Loan Income Limits By County

Some of the eligibility restrictions that determine if you qualify for a USDA include the county and zip code the home resides in, as well as, your past credit history and number of dependents.

In addition, because they are designed for families with moderate to lower incomes, the income of homebuyers looking into a Florida USDA Home Loan cannot exceed their county’s set limit:

Florida USDA Loan Adjusted Maximum Income Limits by County
Updated 10/24/2012

County Name		1-4 Person Households(Guaranteed Loans)		5-8 Person Households  (Guaranteed Loans)
OSCEOLA		$74,750		$98,650
ORLANDO-KISSIMMEE, FL (MSA)
NASSAU		$74,750		$98,650
JACKSONVILLE, FL (MSA)
OKEECHOBEE		$74,750		$98,650
OKEECHOBEE, FL (MICRO)
HARDEE		$74,750		$98,650
WAUCHULA, FL (MICRO)
LEE		$74,750		$98,650
CAPE CORAL-FORT MYERS, FL (MSA)
VOLUSIA		$74,750		$98,650
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (MSA)
HIGHLANDS		$74,750		$98,650
SEBRING, FL (MICRO)
PALM BEACH		$87,550		$115,550
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL METRO
SUWANNEE		$74,750		$98,650
NON-METRO
HOLMES		$74,750		$98,650
NON-METRO
GADSDEN		$74,750		$98,650
TALLAHASSEE, FL (MSA)
ST. JOHNS		$74,750		$98,650
JACKSONVILLE, FL (MSA)
ST. LUCIE		$74,750		$98,650
PORT ST. LUCIE-FORT PIERCE, FL (MSA)
OKALOOSA		$78,650		$103,800
FORT WALTON BEACH-CRESTVIEW-DESTIN, FL (MSA)
LEVY		$74,750		$98,650
NON-METRO
HAMILTON		$74,750		$98,650
NON-METRO
ESCAMBIA		$74,750		$98,650
PENSACOLA-FERRY PASS-BRENT, FL (MSA)
UNION		$74,750		$98,650
NON-METRO
MARION		$74,750		$98,650
OCALA, FL (MSA)
GULF		$74,750		$98,650
NON-METRO
JACKSON		$74,750		$98,650
NON-METRO
WALTON		$74,750		$98,650
NON-METRO
MANATEE		$75,200		$99,250
SARASOTA-BRADENTON-VENICE, FL (MSA)
BREVARD		$74,750		$98,650
PALM BAY-MELBOURNE-TITUSVILLE, FL (MSA)
MIAMI-DADE		$80,850		$106,700
MIAMI-MIAMI BEACH-KENDALL, FL METROPOLITAN DIVISION
BRADFORD		$74,750		$98,650
NON-METRO
COLUMBIA		$74,750		$98,650
LAKE CITY, FL (MICRO)
BAKER		$74,750		$98,650
JACKSONVILLE, FL (MSA)
MADISON		$74,750		$98,650
NON-METRO
CHARLOTTE		$74,750		$98,650
PUNTA GORDA, FL (MSA)
BROWARD		$91,050		$120,200
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL
ALACHUA		$74,750		$98,650
GAINESVILLE, FL (MSA)
PUTNAM		$74,750		$98,650
PALATKA, FL (MICRO)
GLADES		$74,750		$98,650
NON-METRO
CLAY		$74,750		$98,650
JACKSONVILLE, FL (MSA)
CITRUS		$74,750		$98,650
HOMOSASSA SPRINGS, FL (MICRO)
LIBERTY		$74,750		$98,650
NON-METRO
SEMINOLE		$74,750		$98,650
ORLANDO-KISSIMMEE, FL (MSA)
ORANGE		$74,750		$98,650
ORLANDO-KISSIMMEE, FL (MSA)
COLLIER		$83,750		$110,500
NAPLES-MARCO ISLAND, FL (MSA)
GILCHRIST		$74,750		$98,650
GAINESVILLE, FL (MSA)
INDIAN RIVER		$74,750		$98,650
SEBASTIAN-VERO BEACH, FL (MSA)
SARASOTA		$75,200		$99,250
SARASOTA-BRADENTON-VENICE, FL (MSA)
MONROE		$95,100		$125,550
KEY WEST-MARATHON, FL (MICRO)
HILLSBOROUGH		$74,750		$98,650
TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA)
TAYLOR		$74,750		$98,650
NON-METRO
MARTIN		$74,750		$98,650
PORT ST. LUCIE-FORT PIERCE, FL (MSA)
JEFFERSON		$74,750		$98,650
TALLAHASSEE, FL (MSA)
WASHINGTON		$74,750		$98,650
NON-METRO
POLK		$74,750		$98,650
LAKELAND, FL (MSA)
CALHOUN		$74,750		$98,650
NON-METRO
DUVAL		$74,750		$98,650
JACKSONVILLE, FL (MSA)
DE SOTO		$74,750		$98,650
ARCADIA, FL (MICRO)
PASCO		$74,750		$98,650
TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA)
HENDRY		$74,750		$98,650
CLEWISTON, FL (MICRO)
HERNANDO		$74,750		$98,650
TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA)
BAY		$74,750		$98,650
PANAMA CITY-LYNN HAVEN, FL (MSA)
DIXIE		$74,750		$98,650
NON-METRO
LEON		$74,750		$98,650
TALLAHASSEE, FL (MSA)
LAFAYETTE		$74,750		$98,650
NON-METRO
LAKE		$74,750		$98,650
ORLANDO-KISSIMMEE, FL (MSA)
FRANKLIN		$74,750		$98,650
NON-METRO
WAKULLA		$74,750		$98,650
TALLAHASSEE, FL (MSA)
PINELLAS		$74,750		$98,650
TAMPA-ST. PETERSBURG-CLEARWATER, FL (MSA)
SUMTER		$74,750		$98,650
THE VILLAGES, FL (MICRO)
FLAGLER		$74,750		$98,650
PALM COAST, FL (MICRO)
SANTA ROSA		$74,750		$98,650
PENSACOLA-FERRY PASS-BRENT, FL (MSA)

Source: Consumer Real Estate